Property Managers and Insurance Issues
your electrical, plumbing or other hired helpers put you out of
could, if you don’t know for certain that they’re carrying
commercial general liability and
workers compensation insurance.
managers have a duty of care responsibility towards their clients and the
properties they manage.
In a tough economy, some corners small businesses cut are the costs of
insurance. Contrary to popular belief, there is no legal obligation for any
contractor, including plumbers and electricians, to carry any liability
insurance in California. This seems to be surprising. Many electricians claim to
be “Insured and Bonded”, but often this refers only to the
bare minimum bonding required by the California
Contractors State License Board.
But without being covered by a current, adequate and complete policy package,
your company is exposed for accidents or damage workmen may do to your
customers’ property or themselves on the job. And an electrician or plumber can
state that he has
no employees to exempt himself from carrying any
workers comp insurance. But if he ever shows up at your customers with
anyone else (as most contractors have helpers), you are surely liable for their
medical and unemployment expenses if injuries occur.
Just because a proof of insurance was provided a year or even a month ago
doesn’t mean it’s true today. And there’s no way to avoid being blindsided by
this risk without wasting time on a regular basis to call your workmen’s
insurance companies to check on your own.
You have the peace of mind of working with a licensed electrical contractor able
to offer to protect HOAs and property managers—at no cost—as additionally
our commercial general liability and as certificate holders for our workers
compensation. This way, our insurance providers immediately notify you of any
changes or cancellations—no hiding, no wondering, no worries.
We at Roberts Electric Service have been in the electrical business for over 25
years, specializing in problem solving and maximizing existing structures, not
new construction. And, as a corporation, we are exempt from W-2 and
1099 reporting—no IRS paperwork hassles.
Please give us a call to discuss scope and areas of service as well as
competitive pricing options, and thank you for your consideration.
We are committed to ensuring our customers' trust and safety, and we thank you
for calling us for your electrical needs.
you have any questions on insurance issues, you can contact us via
telephone at (619) 757-7500 or via email to or
regular mail below:
302 Washington St #100
San Diego, CA 92103
Copyright ©2004-2012 Roberts Electric Service, Inc.